| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 4.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON FL 4 NEW YORK, NY 10014 | AFLAC | $4K | — | $4K | 14.64% |
| BEAULIEU BENEFITS INC3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $2K | — | $2K | 7.43% |
| JACQUELINE GELINAS BEAULIEU3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $1K | — | $1K | 4.04% |
| SPHERE GROUP LLC3 | 388 BRIDGE ST APT 34G BROOKLYN, NY 11201 | AFLAC | $662 | — | $662 | 2.48% |
| STEPHEN C PLATNER3 | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $540 | — | $540 | 2.02% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINGDALE, NY 11735 | AFLAC | $360 | — | $360 | 1.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | AFLAC | $246 | — | $246 | 0.92% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $228 | — | $228 | 0.85% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LN HILTON HEAD, SC 29926 | AFLAC | $61 | — | $61 | 0.23% |
| RICHARD DE ASIS3 | 39 HUNTERS RUN PITTSFORD, NY 14534 | AFLAC | $33 | — | $33 | 0.12% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $23 | — | $23 | 0.09% |
| KELLY A IRVINE3 | 15801 WHITE ORCHILD LN FORT MYERS, FL 33908 | AFLAC | $10 | — | $10 | 0.04% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $8 | — | $8 | 0.03% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DR APT 208 NAPLES, FL 34110 | AFLAC | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $908 | $5K | 19.05% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $825K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 198 | $850K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $825K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $25K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $25K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $825K |
| Other(2 contracts, 2 carriers) | AFLAC | 198 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.